Total Assets
$231M
Total balance-sheet footings
FDIC Cert #11674 · New Berlin, Illinois · Est. 1877
Warren-Boynton State Bank - FDIC Bank Health Profile
A community-scale look at Warren-Boynton State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $231M
- Total assets
- A
- Health grade · Excellent
- 1.17%
- Return on assets
- 17.7%
- Tier 1 capital
Data updated July 2026
The verdict
Warren-Boynton State Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 17.68% Tier 1, profitable at 1.17% ROA, 66% efficiency ratio.
- #2,843
- largest of 4,313 FDIC banks by assets
- 34th
- percentile by asset size, nationally
- 17.68%
- Tier 1 ratio - above the 10% well-capitalized line
- 55th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Warren-Boynton State Bank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Warren-Boynton State Bank's composite health score
Tier 1 Capital Ratio (17.68%) 40/40
Return on Assets (ROA) (1.17%) 20/25
Texas Ratio (1.56%) 20/20
Efficiency Ratio (65.81%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$197M
Customer-funded liabilities
Net Loans
$171M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Warren-Boynton State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Warren-Boynton State Bank's score of 88/100 falls in the highlighted band.
Warren-Boynton State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Warren-Boynton State Bank's $231M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.68% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.68%
Texas Ratio
1.56%
Equity Capital
$26M
Profitability metrics
Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
11.83%
Efficiency Ratio
65.81%
What the numbers say about Warren-Boynton State Bank
Warren-Boynton State Bank is an FDIC-insured institution (Certificate #11674) headquartered in New Berlin, Illinois, established in 1877. It holds $231M in total assets - 2,843rd of 4,313 FDIC-insured banks, $197M in customer deposits, and $171M in net loans. On safety, its Tier 1 capital ratio of 17.68% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.56% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, Warren-Boynton State Bank ranks 181st of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$13M
Interest Income
$764K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Warren-Boynton State Bank reports a Texas Ratio of 1.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Warren-Boynton State Bank (FDIC Cert #11674) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Warren-Boynton State Bank's health grade?▼
Warren-Boynton State Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Warren-Boynton State Bank?▼
Warren-Boynton State Bank holds $231M in total assets and $197M in deposits, ranking 2,843rd of 4,313 FDIC-insured banks by asset size. It is headquartered in New Berlin, Illinois.
Is my money safe at Warren-Boynton State Bank?▼
Yes, deposits at Warren-Boynton State Bank (Certificate #11674) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Warren-Boynton State Bank's Tier 1 Capital Ratio?▼
Warren-Boynton State Bank has a Tier 1 Capital Ratio of 17.68%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Warren-Boynton State Bank?▼
Warren-Boynton State Bank has a Texas Ratio of 1.56%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Warren-Boynton State Bank?▼
Warren-Boynton State Bank has an Efficiency Ratio of 65.81%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Warren-Boynton State Bank's profile as a depositor or analyst.
- Warren-Boynton State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Warren-Boynton State Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.